Aditya Birla Sun Life term life insurance review
What their own claim record says, and which of their plans is worth your money.
Aditya Birla Sun Life settles 98.7% of claims and draws 1.33 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI disclosures. That is 6 of the 6 insurers we track in this category on settlement ratio. We review 1 of their term life insurance plan; Super Term Plan scores highest at 4/5.
- Claim settlement ratio
- 98.7%
- Complaints per 10,000 claims
- 1.33
- Settlement rank
- 6 of 6
- Our insurer score
- 4.2 / 5
- Solvency ratio
- 1.82
Aditya Birla Sun Life term life insurance plans we rate
| Plan | Score | Cover |
|---|---|---|
| Super Term Plan | 4 / 5 | ₹25 L – no maximum limit (subject to underwriting) |
- Super Term Plan — The built-in critical illness cover is the whole argument for this plan, and it is a good one — bundling 42 conditions into the base premium usually beats buying a rider separately. The counterweight is that Aditya Birla Sun Life has the weakest insurer metrics of the five. If you want term and critical illness in a single policy and are comfortable with a 98.70% settlement ratio, this makes sense. If you would rather maximise claim certainty, take Axis Max Life and buy the rider.
What the claim record means
A settlement ratio is the share of claims an insurer paid in a year. It is the single most useful number about a company, and also the most easily misread: a high ratio on a small book says less than the same ratio on a large one, and it says nothing about how long a claim took or how hard it was to get paid. That is why we read it beside complaint volume — Aditya Birla Sun Life draws 1.33 complaints per 10,000 claims — rather than on its own.
Both figures are fy 2024–26 (3-year average) from IRDAI Annual Report, insurer public disclosures & policy wordings. See how we score plans and insurers.
Frequently asked questions
What is Aditya Birla Sun Life's claim settlement ratio?
98.7%, as fy 2024–26 (3-year average) from IRDAI disclosures. That ranks 6 of the 6 insurers we track in this category. Aditya Birla Sun Life draws 1.33 complaints per 10,000 claims.
Is Aditya Birla Sun Life good for term life insurance?
We rate 1 Aditya Birla Sun Life plan in this category. Aditya Birla Sun Life Super Term Plan scores highest at 4/5. The built-in critical illness cover is the whole argument for this plan, and it is a good one — bundling 42 conditions into the base premium usually beats buying a rider separately. The counterweight is that Aditya Birla Sun Life has the weakest insurer metrics of the five. If you want term and critical illness in a single policy and are comfortable with a 98.70% settlement ratio, this makes sense. If you would rather maximise claim certainty, take Axis Max Life and buy the rider.
How many complaints does Aditya Birla Sun Life get?
1.33 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI's public grievance disclosures. Lower is better.
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.